All six of United's cobranded credit cards, issued by Chase, are currently carrying elevated welcome offers that meet The Points Guy's threshold for when to apply, according to the site's regularly updated comparison. Two of those offers — on the entry-level and mid-tier personal cards — sit at the highest levels the publication has seen, which it frames as a strong window for applicants.
The top-tier United Club Card offers up to 100,000 bonus miles: 90,000 after spending $5,000 on purchases in the first three months from account opening, plus an additional 10,000 for adding an authorized user in the same period. Based on the site's November 2026 valuations, that is worth up to $1,200. The offer is not the highest in the card's history, but it clears the 90,000-mile recommendation for applying; travelers chasing United elite status may prefer to wait for an offer that includes bonus Premier qualifying points.
The United Business Card, the more affordable of the two business options, also advertises up to 100,000 bonus miles plus 2,000 PQPs: 90,000 miles and 2,000 PQPs after $5,000 in spending in the first three months, plus 10,000 miles for adding an authorized user. It carries a $150 annual fee and is valued at up to $1,200, excluding the PQPs. Benefits include a free first checked bag, a FareLock statement credit, hotel, car rental and ride-hailing credits, priority boarding, two one-time United Club passes a year and a United travel credit after five qualifying flight purchases.
The United Club Business Card, the higher-tier business option, carries the same headline structure of up to 100,000 bonus miles and 2,000 PQPs, also valued at up to $1,200 excluding the PQPs. Its $695 annual fee comes with an elite status boost each year, first and second checked bags free, Premier Access travel services and United Club membership. The publication notes it has seen higher offers on this card, but describes the current one as still valuable for those pursuing status.
The United Quest Card, positioned in the upper-mid tier, offers up to 90,000 bonus miles and 500 PQPs: 500 PQPs after a first purchase and 80,000 miles after $4,000 in spending in the first three months, plus 10,000 miles for adding an authorized user. That is valued at up to $1,080, excluding the PQPs.
The United Explorer Card offers up to 80,000 bonus miles — 70,000 after $3,000 in spending in the first three months and 10,000 more for adding an authorized user — valued at up to $960. It matches the highest bonus seen on the card, though the full 80,000 requires adding an authorized user; the annual fee is $0 the first year and $150 thereafter. The no-annual-fee United Gateway Card offers up to 50,000 bonus miles: 40,000 after $1,000 in spending in the first three months, plus 10,000 for adding an authorized user, worth up to $600.
Applicants are reminded that Chase's 5/24 rule can affect approval odds: those who have opened five or more accounts in the past 24 months may have difficulty being approved. The stated values rely on the publication's November 2026 valuations, do not include the value of status-qualifying points, and some maximum figures depend on adding an authorized user. United miles can be redeemed on United and Star Alliance partner flights without fuel surcharges, and the airline's award sales sometimes price domestic tickets from a few thousand miles.
Sources: The Points Guy.